ZIP Code 72140 — St. Charles town, AR Demographics & Data

ZIP code 72140 covers St. Charles, AR in Arkansas County with a population of about 325.

At a glance, the area shows median age of 32.2 versus a U.S. median of about 38.9.

It sits in telephone area code 870; U.S. House district AR-1; the LITTLE ROCK - PINE BLUFF media market.

Median household income in ZIP 72140 is about $54,000 — about 28% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 16.6%; unemployment rate near 1.9%; 16.6% of adults with a bachelor’s degree or higher (about 17.1 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Agriculture, Retail trade, and Other services; about 8.7% of workers reporting work-from-home (about 6.5 points below the U.S. share (15.2%)); a mean commute of about 95.0 minutes (U.S. average near 26.8).

Median home value is about $116,100 — about 67% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $466 (about 60% below the U.S. median rent ($1,163)), and owner-occupancy near 79.8% (about 14.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 72140 in St. Charles, AR, a household would need roughly $32,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $746. That sits below the local median household income ($54,000), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for St. Charles town, AR as Relatively Low (composite score 63.2), which is near the middle of the national distribution. The strongest component scores on US5 are hurricane (61.0) and flood (58.4). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for St. Charles town, AR show little to no average snow and around 51.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 11 for ZIP 72140 (St. Charles town, AR) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.